A bank might deny a dispute if their investigation finds the transaction was authorized, correctly processed, or falls within the agreed terms of service, indicating no error or fraud occurred. Additionally, insufficient evidence provided by the disputing party to support their claim can also lead to denial.
If the credit card issuer denies the dispute, the customer can request supporting documents and can also appeal the decision or file a complaint with consumer protection agencies. If the dispute is still not resolved, customers can seek legal advice and file a case.
After conducting an investigation, your card issuer may deny your dispute. For example, if the issuer may not find evidence that the transaction you disputed was unauthorized.
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The dispute process is governed by card network regulations. Depending on the complexity of each case, it can take up to 90 days to resolve a dispute. Timeframes for dispute resolution are established by the payment brands.
If you're an existing customer, just sign in to chase to send us a secure message. From your accounts page, go to the side menu (the three-line icon in the top left corner) and choose "Secure messages."
Documents can be securely e-mailed at chase. After signing into chase to chase, choose the main menu in the upper left corner and then "Secure messages." Compose a new message, choose the "Add/Remove Attachments" button to attach documents securely.
We want to dispute. So for our example let's just say it's this $30.40. Transaction we can clickMoreWe want to dispute. So for our example let's just say it's this $30.40. Transaction we can click anywhere on that. Section. And that takes us to the transaction. Details.
Here's how: After signing in, find and select the transaction you are concerned about. Review the transaction details and click Dispute Transaction to start the process. Answer a few questions, review your responses and click Submit dispute. Track your dispute in the Account Menu under Account Services.